Cost of Living in White Bear Lake, MN
Population 24,026 · Minnesota · Data vintage 2023
(100 = US avg)
White Bear Lake is a smaller Minnesota community of around 24000 residents, where median household incomes of $79,712 and housing costs ($318,000 for a typical home) give the local cost-of-living profile a distinctly small-town shape.
Geographically, White Bear Lake sits roughly 9 miles northeast of St. Paul. Median home values run roughly 13% higher than St. Paul's $280,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in White Bear Lake
The median home value in White Bear Lake is $318,000 — 4% above the national median of $305,000. Median rent runs $1,540/month, 17% higher than the national median of $1,314/month. The median household income of $79,712/year is 7% higher than the US median of $74,580. The local unemployment rate is 5.4%, above the national average of 4.8%. Minnesota's top state income tax rate is 9.8% and the combined sales tax is 7.4%. Overall, White Bear Lake has a cost of living index of 109 versus the US average of 100, meaning it is 9% more expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in White Bear Lake, MN?
White Bear Lake has a cost index of 109 (100 = national average). It is 9% above the national average.
What is average rent in White Bear Lake, MN?
The median gross rent in White Bear Lake is $1,540 per month based on 2023 Census data.
What is the average home price in White Bear Lake?
The median home value in White Bear Lake is $318,000 according to Zillow and Census data.
What is the median income in White Bear Lake?
The median household income in White Bear Lake is $79,712 per year (2023 ACS 5-year estimates).
What is the sales tax in White Bear Lake, MN?
The combined state and local sales tax rate in White Bear Lake is 7.4%. The Minnesota state income tax top rate is 9.8%.
Is White Bear Lake, MN affordable?
White Bear Lake is near the national average in terms of cost of living, with an index of 109 (100 = US average).
White Bear Lake at a Glance
- Population
- 24,026
- Median Income
- $79,712
- Home Value
- $318,000
- Median Rent
- $1,540/mo
- Unemployment
- 5.4%
- Sales Tax
- 7.4%
Nearby Cities
Explore county-level cost of living data
Minnesota Rankings
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